Hello, This is my question. I am at a private barn (in that, you must make an appointment to come on the property, yet it boards horses and offers lessons). In order to jump my horse over cross rails (literally 1.5 feet or less in height), I must have “equine insurance”. Markel is telling me that a “private horse owner” ;policy will suffice. Any trainers or former trainers out there willing to weight in on the question? One final fact: I will not be teaching or riding other people’s horses, nor will I be teaching or coaching any riders. Literally I will be working on my own horse alone in the arena over poles and cross rails. Thanks. Sg
That’s an interesting ask. I’d figure they would ask for liability insurance or a waiver that says you are riding and jumping at your own risk, like hotel swimming pools that don’t have lifeguards.
But maybe they’re trying to circumvent some issues they had in the past with owners trying to sue them after they broke their horse crashing over a jump and claiming it was property’s fault.
It may also be because insurance will usually require some sort of vet exam if going for major medical or mortality… so if they’re excluding a body part, then you can’t claim that the property made horse lame on that leg since it’s a pre-existing condition. Still an odd ask.
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OP, you probably need clarification from the barn. USEF has an insurance policy for $25/yr that may fit the bill here. It’s designed to cover damage that you/your horse causes. That sounds like what your barn is requiring. Instructor/trainer insurance is a 'hole 'nuther thing, as you are thinking. I think you can look up the coverage on the USEF website. You can buy the coverage with one of the very low $ member options (ie, don’t have to be a Competing level to get it).
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Thanks.
Double thanks to Hillary again for the suggestion to talk to USEF. Found exactly what I need. Thanks again. !!!
You are so welcome! Glad you got this worked out.
